yeah i agree million,these people who win millions and then still work ought to just give me their money i'll put it to use.......i still don't get it though i mean if you've got all that money go to a desert island or buy one or go fly airplanes or climb mountains or something but don't just go back to work,lol,screw work at that point......

certified financial planners are fee based and will skim 5% off every dollar you place with them. Lawyers are the same.

Estate planning lawyer is best place to start. He will draw up your living trust (fancy will - better too). Then he will reccomend you a good captive financial planner/life agent who will fund your living trust with life insurance (pays death taxes at a fraction off cost, really helps your children/heirs). Same life agent can also put that 5mill or whatver it is into an annuity (fixed, variable, indexed) whatever it is. you will see a check every month of 10k - 15k or more. Then yes you will need a good tax accountant. But initially i dont see the need for such a team of advisors who are all fee based. Estate planners charge 1,300.00 for a very good living trust and captive life agents/financial planners are commission based.